When most people hear the words "estate plan", they picture the ultra-wealthy - people with vacation homes, mansions, and millions in the bank. But here's the truth: estate planning isn't about how much you have, it's about what happens to your loved ones when you're gone.

In this episode, we'll break down what an estate plan really is, and why everyday families in California need one. If you own a home or have more than $184,500 in assets, you could be subject to probate, a long and expensive court process that delays your estate from passing smoothly to your heirs.

We'll unpack the essential building blocks of an effective estate plan, including:

- Living Trusts – how they keep your estate out of probate and protect your privacy
- Healthcare Directives – making sure your wishes are honored if you can't speak for yourself
- Living Wills – defining the care you want in advance
- Powers of Attorney – naming someone you trust to make decisions on your behalf

Your estate plan is one of the greatest gifts you can give your loved ones — not a symbol of wealth, but a plan of protection, clarity, and peace. Listen in.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

LET'S CONNECT

Show website:

https://www.providencefinancialpodcast.com

Find us at:

https://www.providencefinancialinc.com

Get to know Anthony:

https://anthonysaccaro.com

Anthony's book:

https://morelifethanmoneybook.com

Amazon Author Page:

https://amazon/author/anthonysaccaro

YouTube:

https://www.youtube.com/c/AnthonySaccaro/featured

Radio:

https://www.providencefinancialradio.com

Yelp:

https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills

Facebook:

https://www.facebook.com/Providence.FinancialInc/

Twitter:

https://twitter.com/AnthonySaccaro

LinkedIN:

https://www.linkedin.com/in/anthonysaccaro/

The calendar is winding down, and while most people are focused on the holidays coming up, the smart ones know this is also crunch time for tax planning. Once December 31st hits, many of your opportunities to save on taxes disappear, so now is the moment to act.

In today's episode, I'm walking you through eight smart, year-end strategies that can help lower your tax bill and keep more of your hard-earned money where it belongs - with you.

Here's what we'll dig into:

- How to make the most of retirement account contributions before the deadline
- When it makes sense to do a Roth IRA conversion before year-end
- Smart decisions around Required Minimum Distributions
- Ways to give strategically and reduce your tax burden through charitable giving
- Why deferring income could drop you into a lower tax bracket
- The benefits of accelerating deductions before year-end
- Harnessing the triple-tax advantages of Health Savings Accounts
- And thoughtful gifting strategies that can help you and your loved ones

If you want to finish 2025 stronger (and smarter) financially, this episode is for you. Listen in.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

LET'S CONNECT

Show website:

https://www.providencefinancialpodcast.com

Find us at:

https://www.providencefinancialinc.com

Get to know Anthony:

https://anthonysaccaro.com

Anthony's book:

https://morelifethanmoneybook.com

Amazon Author Page:

https://amazon/author/anthonysaccaro

YouTube:

https://www.youtube.com/c/AnthonySaccaro/featured

Radio:

https://www.providencefinancialradio.com

Yelp:

https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills

Facebook:

https://www.facebook.com/Providence.FinancialInc/

Twitter:

https://twitter.com/AnthonySaccaro

LinkedIN:

https://www.linkedin.com/in/anthonysaccaro/

One of the most common questions we hear from retirees is, "How much income can I safely take from my portfolio?". It sounds simple - but it's one of the most difficult questions to answer in retirement planning. If you withdraw too much, you risk running out of money before you run out of life; if you take too little, you might live well below your means and miss out on experiences such as travel or special moments with family that you could easily afford.

The truth is, a good life in retirement doesn't depend on how big your nest egg is, but on how much reliable income that nest egg can produce for the rest of your life. Listen in.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

LET'S CONNECT

Show website:

https://www.providencefinancialpodcast.com

Find us at:

https://www.providencefinancialinc.com

Get to know Anthony:

https://anthonysaccaro.com

Anthony's book:

https://morelifethanmoneybook.com

Amazon Author Page:

https://amazon/author/anthonysaccaro

YouTube:

https://www.youtube.com/c/AnthonySaccaro/featured

Radio:

https://www.providencefinancialradio.com

Yelp:

https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills

Facebook:

https://www.facebook.com/Providence.FinancialInc/

Twitter:

https://twitter.com/AnthonySaccaro

LinkedIN:

https://www.linkedin.com/in/anthonysaccaro/

The strategies that built your wealth aren't always the same ones that will help you keep it. In this episode, we explore why financial approaches that worked so well during your working years can actually work against you in retirement. You've spent decades in accumulation mode, adding to your accounts month after month; but once you retire, the script flips. You're no longer the contributor; you're the withdrawer.

We'll talk about why it's dangerous to stick to the same "financial playlist" from 15 years ago, still chasing high returns and taking on unnecessary risk, and how to shift toward a strategy that protects what you've built while keeping your income steady. Because when you cross the line into retirement, your mindset - and your money management - need to evolve. Listen in.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

LET'S CONNECT

Show website:

https://www.providencefinancialpodcast.com

Find us at:

https://www.providencefinancialinc.com

Get to know Anthony:

https://anthonysaccaro.com

Anthony's book:

https://morelifethanmoneybook.com

Amazon Author Page:

https://amazon/author/anthonysaccaro

YouTube:

https://www.youtube.com/c/AnthonySaccaro/featured

Radio:

https://www.providencefinancialradio.com

Yelp:

https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills

Facebook:

https://www.facebook.com/Providence.FinancialInc/

Twitter:

https://twitter.com/AnthonySaccaro

LinkedIN:

https://www.linkedin.com/in/anthonysaccaro/

Have you ever sat down with a financial advisor and felt like they were speaking a foreign language? Too often, industry jargon gets in the way of clarity. What sounds like everyday terms to advisors - "25 basis points" instead of "0.25%," "alpha and beta" instead of "risk and return," or "Monte Carlo simulations" when talking about withdrawal strategies - can leave the average person confused and frustrated ("are we gambling here?").

In this episode, we translate the jargon into plain English, break down what these terms actually mean, and explain why clear communication is essential when planning for retirement. Listen in.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

LET'S CONNECT

Show website:

https://www.providencefinancialpodcast.com

Find us at:

https://www.providencefinancialinc.com

Get to know Anthony:

https://anthonysaccaro.com

Anthony's book:

https://morelifethanmoneybook.com

Amazon Author Page:

https://amazon/author/anthonysaccaro

YouTube:

https://www.youtube.com/c/AnthonySaccaro/featured

Radio:

https://www.providencefinancialradio.com

Yelp:

https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills

Facebook:

https://www.facebook.com/Providence.FinancialInc/

Twitter:

https://twitter.com/AnthonySaccaro

LinkedIN:

https://www.linkedin.com/in/anthonysaccaro/

They say rules are meant to be broken - but in retirement planning, some rules are designed with exceptions that can actually work in your favor. In this episode, we explore where flexibility exists in the retirement system:

- IRA & Roth IRA: Special contribution and RMD exceptions that could save you money.
- 401(k)s: When you can contribute or withdraw outside the standard rules.
- Social Security: Situations where exceptions unlock additional benefits.

Whether you're a "rule follower" or a "rule breaker," understanding these exceptions can help you make smarter, legally sound decisions to strengthen your retirement plan. Listen in.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

LET'S CONNECT

Show website:

https://www.providencefinancialpodcast.com

Find us at:

https://www.providencefinancialinc.com

Get to know Anthony:

https://anthonysaccaro.com

Anthony's book:

https://morelifethanmoneybook.com

Amazon Author Page:

https://amazon/author/anthonysaccaro

YouTube:

https://www.youtube.com/c/AnthonySaccaro/featured

Radio:

https://www.providencefinancialradio.com

Yelp:

https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills

Facebook:

https://www.facebook.com/Providence.FinancialInc/

Twitter:

https://twitter.com/AnthonySaccaro

LinkedIN:

https://www.linkedin.com/in/anthonysaccaro/

With so many listener questions pouring in lately, it was time for another Q&A session. In this episode we tackle the most pressing retirement topics on your mind:

- Social Security: How to maximize your benefits and avoid costly mistakes.

- Required Minimum Distributions (RMDs): What the new rules mean for your withdrawals.

- Inherited IRAs: The latest changes that could reshape your estate planning.

- Annuities: Where they fit (and where they don't) in a secure retirement plan.

Listen in.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

LET'S CONNECT

Show website:

https://www.providencefinancialpodcast.com

Find us at:

https://www.providencefinancialinc.com

Get to know Anthony:

https://anthonysaccaro.com

Anthony's book:

https://morelifethanmoneybook.com

Amazon Author Page:

https://amazon/author/anthonysaccaro

YouTube:

https://www.youtube.com/c/AnthonySaccaro/featured

Radio:

https://www.providencefinancialradio.com

Yelp:

https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills

Facebook:

https://www.facebook.com/Providence.FinancialInc/

Twitter:

https://twitter.com/AnthonySaccaro

LinkedIN:

https://www.linkedin.com/in/anthonysaccaro/

Many of the "golden rules" of retirement no longer shine. The 4% withdrawal rule, the "set it and forget it" investment strategy, and even long-trusted programs like Social Security and Medicare aren't as reliable as they once were.

In this week's podcast, we unpack why these outdated approaches could put your financial future at risk, and more importantly, what you can do instead. You'll learn the new realities of retirement planning, the hidden challenges that could drain your savings, and smarter strategies to protect your income, healthcare, and lifestyle. Listen in.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>

LET'S CONNECT

Show website:

https://www.providencefinancialpodcast.com

Find us at:

https://www.providencefinancialinc.com

Get to know Anthony:

https://anthonysaccaro.com

Anthony's book:

https://morelifethanmoneybook.com

Amazon Author Page:

https://amazon/author/anthonysaccaro

YouTube:

https://www.youtube.com/c/AnthonySaccaro/featured

Radio:

https://www.providencefinancialradio.com

Yelp:

https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills

Facebook:

https://www.facebook.com/Providence.FinancialInc/

Twitter:

https://twitter.com/AnthonySaccaro

LinkedIN:

https://www.linkedin.com/in/anthonysaccaro/